Crofton

Brooklyn, NY · Charter 12942

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Brooklyn, NY · Charter 12942

Q4 1999

$6KAssets

$0KLoans

$0KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

234%+22,963 bps YoY

Net Interest Margin (YTD, annualized)

284%

Efficiency Ratio (YTD, annualized)

17.71%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1997	Q2 1998	Q4 1998	Q2 1999	Q4 1999	YoY Δ	Trend
Earnings
Return on Assets	4.10%	4.24%	4.14%	3.80%	234%	+22,963 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	284%	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	17.71%	n/a	n/a
Growth
Asset Growth (YoY)	-2.77%	-5.06%	-4.34%	-2.01%	-98.82%	-9,606 bps
Loan Growth (YoY)	-42.89%	-41.47%	-55.53%	-67.94%	-100.00%	-5,711 bps
Share Growth (YoY)	-3.13%	-5.58%	-4.76%	-1.81%	-100.00%	-9,687 bps
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.00%	0.00%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	6.35%	6.82%	7.95%	15.07%	n/a	n/a
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	15.11%	14.88%	8.68%	4.64%	n/a	n/a
Liquid Assets / Assets	82.54%	84.79%	39.50%	0.00%	0.00%	-8,254 bps